TT said ...For discussion purposes it is generally best to list incremental increase/decrease in score by CRA along with model type or state something like: "my Fico 08 scores increased by ___ points on average over the last ___ weeks."
OK Thanks TT for the clarification...I wasn't trying to mis-lead anyone...Just new here and VERY excited! 
Title has been adjusted!
@Thomas_Thumb wrote:Looks good.
You may want to edit title for the thread so it carries through as part of all post headings.
Sorry, I thought when I changed my post title, it would change them all.
I stepped away for a while and came back and I finally see what y'all were talking about. Sometimes when your mind sees something..it's hard to see it any other way. That was why I didn't really understand what everyone's point was. I get it now and I am very sorry if I mis-lead anyone...it certainly was not my intention. 
@Stryder wrote:
@Thomas_Thumb wrote:Looks good.
You may want to edit title for the thread so it carries through as part of all post headings.
Sorry, I thought when I changed my post title, it would change them all.
I stepped away for a while and came back and I finally see what y'all were talking about. Sometimes when your mind sees something..it's hard to see it any other way. That was why I didn't really understand what everyone's point was. I get it now and I am very sorry if I mis-lead anyone...it certainly was not my intention.
1. Good edit; the new headline is much better.
2. 81 points average increase, in such a short period, is fantastic! Congratulations.
AWESOMENESS! !!!
@NRB525 wrote:
@Stryder wrote:Not sure what you mean, EQ went up from 652 to 753 over the past 2 weeks. I had 2 baddies onEQ and one fell off 11/3 and it went up 44, today the last fell off and went from 696 to 753 for 57 which is 101
TU went up from 696 to 702 on 11/2 and from 702 to 773 on 11/3 which is 77
EX went from 681 to 739, then on 11/1.. up to 747 = 66
Im not trying to quible, but it is a phenominal improvent (for me anyway) and I wasn't sure how rare it was to jump that much......it is far from what I was expecting. I was hoping to reach this level by next summer.
Thanks for the congrats and the reply NRB and TT.....and I like what both of you said, was "progress" indicating I need to work from this base and grow...My AAoA is around 2.5 yrs now, oldest 10 yr on EQ and EX, and 12 yr on TU, which I believe is why it's higher...so I need to let things age. I am going to app for the NFCU Platinum because I want a low apr BT card and I could use the extra cl...then Im into the garden for a long time!
Again, I'm not trying to put any limits on my congratulations, just trying to realign your measurement of points
If we added up all our points, my 805, 807 and 800 would total 2,412... but I don't claim to have a credit score of 2,412
Since each of the score ranges is the same, and each of the three bureaus tends to score in about the same area if they are reading all the same credit file information, we refer to score improvements as the general improvement within only one scoring range. So you are free to interpret the best-increasing bureau as your score improvement, but we don't get to triple-down on adding all three
NRB525, it looks like your scores have increased nicely in the last few months.
As I recall you were working on reducing aggregate utilization, # cards reporting balances and highest utilization on an individual card basis. If you are comfortable sharing it, a summary breakdown of the following (or subset if only one CRA score is tracked) would be quite interesting:
| Description | Date 1 | Date 2 | Date 3 | Date 4 | Date 5 |
| EQ Fico 08 score | |||||
| TU Fico 08 score | |||||
| EX Fico 08 score | |||||
| Aggregate Revolving UT% | |||||
| Highest individual Card UT% | |||||
| # cards reporting (x of y) |
Hi TT, off the original thread, but here is a grid of the highlight points. Diners initially not reporting now is. Originally three closed cards reporting balances, now just one. A LOC is in there somewhere but not counted, currently 0%. A $500 toy Installment Loan is started in late 2015 so is gliding down nicely also.
The EX INQ in the last 12 months are only 2. The measure below is full 24 months ranges.
I include the Cards Greater than 50% Utilization because I saw a nice ramp up in mid 2015 as three cards each moved below 50% utilization. The August 2 cards over 50% was with the two $500 secured cards testing that 50% theory again. The card at 40% is a Forever 4.99% rate that will be gliding down for a while yet.
Congrats to OP again. We are all on our own journey, and it is always good to share successes.
@Stryder wrote:I have been making post about this on different threads, but since ALL of my accounts are totally clean, the results have astounded me!
In January 2016 I had a 630 score and 5 baddies. I knew that most of them would fall off by November, and for the most part they did and my scores crept up. I also dug into learning credit and was able to get some good cards and learn how to nurture them.
10/15 my scores were EQ 652, TU 696, EX 681
Since then, the last of the baddies have fallen off, the last one was on EQ and it fell off last night
My scores this morning are
I am blown away to see how much change I got for getting clean...double what I was expecting. I have clean payments for almost 7 years now, so I believe I went into a different bucket, which would explain the large jump?
Main reason to post this is for those of you just starting your journey, half way there, or almost there. My message is hang in there, do the right thing, and read everything you can and listen. I am still learning a ton and there are MANY wiser people here that have "been there done that" that are willing to share their knowledge and experiences. This board is AWESOME!
Right now for me, I am going to pay NFCU a little visit this week and see them about a Platinum card! Then its off to the garden for about 2 years!
I prefer you original way myself....that way I can say I have had a 1 point increase in the past 3 months...that sounds better than an average of 1/3 of a point.
